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Choosing Universal Life Insurance in Tennessee

How Universal Life Insurance Works in Tennessee

With Tennessee universal life insurance, you get to choose when you pay your premium payment and how much you pay (according to federal tax law limitations). There is a minimum premium that is determined by premium taxes, the base cost of the policy, and the expenses of the insurance company. The sales expenses and premium taxes will be deducted as you make your payments. The rest of the premium goes towards your cash value. That cash value earns interest as stated in your policy. You will also earn more interest when the company earns more than your guaranteed rate. You are able to take out loans or withdraw from your cash value.

Primary Features of Tennessee Universal Life Insurance

The primary features of universal life insurance in Tennessee include the tax-deferred cash value growth, fixed interest rate, tax-free death benefits, permanent life-long insurance protection, access to cash value, and flexibility in adjusting your death benefit and premium payments.

Comparing Your Options

It's a good idea to compare your Tennessee life insurance options before choosing universal life insurance. Other options include term life insurance and whole life insurance. When you call 888-304-7775, our Universal Life Insurance Pros customer service representatives can help you to compare the options one-on-one.

Just call Universal Life Insurance Pros today at 888-304-7775 to get your free life insurance quotes right away!

Universal Life Insurance in Tennessee

Universal Life Insurance vs. Term Life Insurance

Term life insurance is less expensive than universal life insurance. However, it is not a permanent policy as universal life insurance is. Term life insurance is designed to cover you for a specific term rather than for your whole life. It does not accumulate cash value, and your coverage ends at the end of the term.

Universal Life Insurance vs. Whole Life Insurance

Whole life insurance is more expensive than universal life insurance. It is another life-long coverage policy with tax-deferred cash value that allows for loans and withdrawals. This form of life insurance also comes with more guarantees than universal life insurance, but it is not flexible. You won't be able to increase or decrease your premium and your interest on cash value will be less than with universal life insurance. You do get guaranteed interest rates, death benefits, and premium payments.

How do You Choose?

When it comes to choosing which Tennessee life insurance policy is best for your needs, it helps to speak with one of our Universal Life Insurance Pros customer service representatives. You can discuss your goals, budget, and the advantages and disadvantages of each policy as it relates to you. If your budget is too small for universal life insurance, then term life insurance can act as a temporary solution to your insurance needs. If you prefer the guarantees and zero surprise nature of whole life insurance, and if you can afford to pay more, then this might be your best option. However, if you want more flexibility in a life-long policy with cash value access, then universal life insurance is likely your best bet.


Cities we serve

img Adams, TN img Adamsville, TN img Afton, TN img Alamo, TN img Alcoa, TN img Alexandria, TN img Allardt, TN img Allons, TN img Allred, TN img Alpine, TN img Altamont, TN img Andersonville, TN img Antioch, TN img Apison, TN img Ardmore, TN img Arlington, TN img Arnold Afb, TN img Arrington, TN img Arthur, TN img Ashland City, TN img Athens, TN img Atoka, TN img Atwood, TN img Auburntown, TN img Bakewell, TN img Bath Springs, TN img Baxter, TN img Bean Station, TN img Beech Bluff, TN img Beechgrove, TN img Beersheba Springs, TN img Belfast, TN img Bell Buckle, TN img Bells, TN img Belvidere, TN img Benton, TN img Bethel Springs, TN img Bethpage, TN img Big Rock, TN img Big Sandy, TN img Birchwood, TN img Blaine, TN img Bloomington Springs, TN img Blountville, TN img Bluff City, TN img Bogota, TN img Bolivar, TN img Bon Aqua, TN img Braden, TN img Bradford, TN img Bradyville, TN img Brentwood, TN img Briceville, TN img Brighton, TN img Bristol, TN img Brownsville, TN img Bruceton, TN img Brunswick, TN img Brush Creek, TN img Buchanan, TN img Buena Vista, TN img Buffalo Valley, TN img Bulls Gap, TN img Bumpus Mills, TN img Burlison, TN img Burns, TN img Butler, TN img Bybee, TN img Byrdstown, TN img Calhoun, TN img Camden, TN img Campaign, TN img Carthage, TN img Caryville, TN img Castalian Springs, TN img Cedar Grove, TN img Cedar Hill, TN img Celina, TN img Centerville, TN img Chapel Hill, TN img Chapmansboro, TN img Charleston, TN img Charlotte, TN img Chattanooga, TN img Chestnut Mound, TN img Chewalla, TN img Christiana, TN img Chuckey, TN img Church Hill, TN img Clairfield, TN img Clarkrange, TN img Clarksburg, TN img Clarksville, TN img Cleveland, TN img Clifton, TN img Clinton, TN img Coalfield, TN img Coalmont, TN img Cokercreek, TN img College Grove, TN img Collegedale, TN img Collierville, TN img Collinwood, TN img Columbia, TN img Como, TN img Conasauga, TN img Cookeville, TN img Copperhill, TN img Cordova, TN img Cornersville, TN img Corryton, TN img Cosby, TN img Cottage Grove, TN img Cottontown, TN img Counce, TN img Covington, TN img Cowan, TN img Crab Orchard, TN img Crawford, TN img Crockett Mills, TN img Cross Plains, TN img Crossville, TN img Crump, TN img Culleoka, TN img Cumberland City, TN img Cumberland Furnace, TN img Cumberland Gap, TN img Cunningham, TN img Cypress Inn, TN img Dandridge, TN img Darden, TN img Dayton, TN img Decatur, TN img Decaturville, TN img Decherd, TN img Deer Lodge, TN img Del Rio, TN img Delano, TN img Dellrose, TN img Denmark, TN img Dickson, TN img Dixon Springs, TN img Dover, TN img Dowelltown, TN img Doyle, TN img Dresden, TN img Drummonds, TN img Duck River, TN img Ducktown, TN img Duff, TN img Dukedom, TN img Dunlap, TN img Dyer, TN img Dyersburg, TN img Eads, TN img Eagan, TN img Eagleville, TN img Eaton, TN img Eidson, TN img Elbridge, TN img Elgin, TN img Elizabethton, TN img Elkton, TN img Ellendale, TN img Elmwood, TN img Elora, TN img Englewood, TN img Enville, TN img Erin, TN img Erwin, TN img Estill Springs, TN img Ethridge, TN img Etowah, TN img Eva, TN img Evensville, TN img Fairview, TN img Fall Branch, TN img Farner, TN img Fayetteville, TN img Finger, TN img Finley, TN img Five Points, TN img Flag Pond, TN img Flintville, TN img Fosterville, TN img Frankewing, TN img Franklin, TN img Friendship, TN img Friendsville, TN img Fruitvale, TN img Gadsden, TN img Gainesboro, TN img Gallatin, TN img Gallaway, TN img Gates, TN img Gatlinburg, TN img Georgetown, TN img Germantown, TN img Gibson, TN img Gladeville, TN img Gleason, TN img Goodlettsville, TN img Goodspring, TN img Gordonsville, TN img Grand Junction, TN img Grandview, TN img Granville, TN img Graysville, TN img Greenback, TN img Greenbrier, TN img Greeneville, TN img Greenfield, TN img Grimsley, TN img Gruetli Laager, TN img Guild, TN img Guys, TN img Halls, TN img Hampshire, TN img Hampton, TN img Harriman, TN img Harrison, TN img Harrogate, TN img Hartford, TN img Hartsville, TN img Heiskell, TN img Helenwood, TN img Henderson, TN img Hendersonville, TN img Henning, TN img Henry, TN img Hermitage, TN img Hickman, TN img Hickory Valley, TN img Hickory Withe, TN img Hilham, TN img Hillsboro, TN img Hixson, TN img Hohenwald, TN img Holladay, TN img Hollow Rock, TN img Hornbeak, TN img Hornsby, TN img Humboldt, TN img Huntingdon, TN img Huntland, TN img Huntsville, TN img Huron, TN img Hurricane Mills, TN img Idlewild, TN img Indian Mound, TN img Iron City, TN img Jacks Creek, TN img Jacksboro, TN img Jackson, TN img Jamestown, TN img Jasper, TN img Jefferson City, TN img Jellico, TN img Joelton, TN img Johnson City, TN img Jonesborough, TN img Kelso, TN img Kenton, TN img Kingsport, TN img Kingston, TN img Kingston Springs, TN img Knoxville, TN img Kodak, TN img Kyles Ford, TN img La Follette, TN img La Grange, TN img La Vergne, TN img Laconia, TN img Lafayette, TN img Lake City, TN img Lancaster, TN img Lancing, TN img Lascassas, TN img Laurel Bloomery, TN img Lavinia, TN img Lawrenceburg, TN img Lebanon, TN img Lenoir City, TN img Lenox, TN img Leoma, TN img Lewisburg, TN img Lexington, TN img Liberty, TN img Limestone, TN img Linden, TN img Livingston, TN img Lobelville, TN img Lone Mountain, TN img Lookout Mountain, TN img Loretto, TN img Loudon, TN img Louisville, TN img Lowland, TN img Lupton City, TN img Luray, TN img Luttrell, TN img Lutts, TN img Lyles, TN img Lynchburg, TN img Lynnville, TN img Macon, TN img Madison, TN img Madisonville, TN img Manchester, TN img Mansfield, TN img Martin, TN img Maryville, TN img Mascot, TN img Mason, TN img Maury City, TN img Maynardville, TN img Mc Donald, TN img Mc Ewen, TN img Mc Kenzie, TN img Mc Lemoresville, TN img Mc Minnville, TN img Mcminnville, TN img Medina, TN img Medon, TN img Memphis, TN img Mercer, TN img Michie, TN img Middleton, TN img Midway, TN img Milan, TN img Milledgeville, TN img Milligan College, TN img Millington, TN img Milton, TN img Minor Hill, TN img Miston, TN img Mitchellville, TN img Mohawk, TN img Monroe, TN img Monteagle, TN img Monterey, TN img Mooresburg, TN img Morris Chapel, TN img Morrison, TN img Morristown, TN img Moscow, TN img Mosheim, TN img Moss, TN img Mount Carmel, TN img Mount Juliet, TN img Mount Pleasant, TN img Mountain City, TN img Mountain Home, TN img Mulberry, TN img Munford, TN img Murfreesboro, TN img Nashville, TN img New Johnsonville, TN img New Market, TN img New Tazewell, TN img Newbern, TN img Newcomb, TN img Newport, TN img Niota, TN img Nolensville, TN img Norene, TN img Normandy, TN img Norris, TN img Nunnelly, TN img Oak Ridge, TN img Oakdale, TN img Oakfield, TN img Oakland, TN img Obion, TN img Ocoee, TN img Old Fort, TN img Old Hickory, TN img Oldfort, TN img Olivehill, TN img Oliver Springs, TN img Oneida, TN img Only, TN img Ooltewah, TN img Orlinda, TN img Ozone, TN img Pall Mall, TN img Palmer, TN img Palmersville, TN img Palmyra, TN img Paris, TN img Parrottsville, TN img Parsons, TN img Pegram, TN img Pelham, TN img Petersburg, TN img Petros, TN img Philadelphia, TN img Pickwick Dam, TN img Pigeon Forge, TN img Pikeville, TN img Piney Flats, TN img Pinson, TN img Pioneer, TN img Pleasant Hill, TN img Pleasant Shade, TN img Pleasant View, TN img Pleasantville, TN img Pocahontas, TN img Portland, TN img Powder Springs, TN img Powell, TN img Primm Springs, TN img Prospect, TN img Pruden, TN img Pulaski, TN img Puryear, TN img Quebeck, TN img Ramer, TN img Readyville, TN img Reagan, TN img Red Boiling Springs, TN img Reliance, TN img Riceville, TN img Rickman, TN img Riddleton, TN img Ridgely, TN img Ridgetop, TN img Ripley, TN img Rives, TN img Roan Mountain, TN img Robbins, TN img Rock Island, TN img Rockford, TN img Rockvale, TN img Rockwood, TN img Rogersville, TN img Rossville, TN img Rugby, TN img Russellville, TN img Rutherford, TN img Rutledge, TN img Saint Andrews, TN img Saint Bethlehem, TN img Saint Joseph, TN img Sale Creek, TN img Saltillo, TN img Samburg, TN img Santa Fe, TN img Sardis, TN img Saulsbury, TN img Savannah, TN img Scotts Hill, TN img Selmer, TN img Sequatchie, TN img Sevierville, TN img Sewanee, TN img Seymour, TN img Shady Valley, TN img Sharon, TN img Sharps Chapel, TN img Shawanee, TN img Shelbyville, TN img Sherwood, TN img Shiloh, TN img Signal Mountain, TN img Silerton, TN img Silver Point, TN img Slayden, TN img Smartt, TN img Smithville, TN img Smyrna, TN img Sneedville, TN img Soddy Daisy, TN img Somerville, TN img South Fulton, TN img South Pittsburg, TN img Southside, TN img Sparta, TN img Speedwell, TN img Spencer, TN img Spring City, TN img Spring Creek, TN img Spring Hill, TN img Springfield, TN img Springville, TN img Stanton, TN img Stantonville, TN img Stewart, TN img Strawberry Plains, TN img Sugar Tree, TN img Summertown, TN img Summitville, TN img Sunbright, TN img Surgoinsville, TN img Sweetwater, TN img Taft, TN img Talbott, TN img Tallassee, TN img Tazewell, TN img Telford, TN img Tellico Plains, TN img Ten Mile, TN img Tennessee Ridge, TN img Thompsons Station, TN img Thorn Hill, TN img Tipton, TN img Tiptonville, TN img Toone, TN img Townsend, TN img Tracy City, TN img Trade, TN img Trenton, TN img Trezevant, TN img Trimble, TN img Troy, TN img Tullahoma, TN img Turtletown, TN img Unicoi, TN img Union City, TN img Unionville, TN img Vanleer, TN img Viola, TN img Vonore, TN img Walland, TN img Walling, TN img Wartburg, TN img Wartrace, TN img Washburn, TN img Watauga, TN img Watertown, TN img Watts Bar Dam, TN img Waverly, TN img Waynesboro, TN img Westmoreland, TN img Westpoint, TN img Westport, TN img White Bluff, TN img White House, TN img White Pine, TN img Whites Creek, TN img Whitesburg, TN img Whiteside, TN img Whiteville, TN img Whitleyville, TN img Whitwell, TN img Wilder, TN img Wildersville, TN img Williamsport, TN img Williston, TN img Winchester, TN img Winfield, TN img Winona, TN img Woodbury, TN img Woodland Mills, TN img Woodlawn, TN img Wynnburg, TN img Yorkville, TN

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